Blackshire Wealth Management serves families across Greenville, Centreville, Montchanin, and the Brandywine Valley. Independent, fee-only, and fiduciary, a short drive up Route 52 in West Chester, PA.
Greenville and the surrounding chateau country, Centreville, Montchanin, and the Route 52 corridor past Winterthur, hold a kind of wealth that most financial advice was never built for: legacy stock positions with a decades-old cost basis, family trusts, real property, closely held business interests, and standing charitable commitments. The challenge is rarely picking investments. It is coordination.
Blackshire is fee-only and fiduciary. We sell nothing, earn no commissions, and work for no one but you, which matters most precisely when the balance sheet is complicated.
Inherited or long-held positions in a handful of companies create a quiet problem: real risk concentrated in a few tickers, and a tax bill that punishes the obvious fix. Selling everything at once is usually wrong, and so is doing nothing. We build multi-year diversification plans that use charitable gifting, gain budgeting, loss harvesting, and basis step-up rules to reduce concentration at the lowest achievable tax cost. It is one of the six wealth risks we screen every plan for.
Delaware's trust law is among the most respected in the country, and many Greenville families already have structures in place. Our job is not to draft documents. It is to make sure the financial plan and the estate plan actually agree with each other: that beneficiary designations do not override the will, that trusts are funded as intended, that titling matches the attorney's design, and that the investment strategy inside each trust fits its purpose and time horizon.
Delaware levies no state estate or inheritance tax. Pennsylvania, minutes away, taxes most inheritances at 4.5% to 15%. For families with property or heirs on both sides of the line, that difference deserves deliberate planning, and we work alongside your estate attorney to get it right.
Delaware exempts Social Security entirely and lets residents 60 and older exclude up to $12,500 per person of retirement income. Above that, sequencing matters: which accounts fund spending, when to realize gains, how large a Roth conversion to take in the years before required minimum distributions, and how to keep income under the IRMAA thresholds that raise Medicare premiums at higher incomes. At Greenville-level balance sheets, IRMAA is nearly always in play, and it is manageable with foresight. For the full state tax picture, see our guide to retiring in Delaware.
Retirees, executives, business owners, and multigenerational families across Greenville, Centreville, Montchanin, and the Brandywine Valley, along with nearby Wilmington and Hockessin. Our office in West Chester, PA is a short drive up Kennett Pike and Route 52. Most clients are in the $500K to $5M+ investable asset range.
Blackshire Wealth Management was founded by Henry Supinski, who spent a decade in the tech industry before returning to financial planning. He is supported by Ron Madey (CFA, Chief Investment Officer), Ken Kideckel (CFA, CFP®, Head of Portfolio Management), and a dedicated compliance and marketing team.
Yes. Much of our Greenville-area work involves legacy stock positions, family trusts, and coordinating a plan across generations. We work alongside your estate attorney and CPA rather than replacing them.
Usually, yes. The tools include multi-year gain budgeting, charitable gifting of appreciated shares, loss harvesting elsewhere in the portfolio, and planning around basis step-up. The right mix depends on your basis, your charitable intent, and your time horizon.
Delaware has no state estate tax and no inheritance tax. Pennsylvania levies an inheritance tax of 4.5% on transfers to children, 12% to siblings, and 15% to most others. Families with assets or heirs in both states benefit from planning that accounts for the difference.
We are fee-only. Our only compensation is the advisory fee our clients pay us directly. We earn no commissions, sell no insurance or investment products, and accept no referral fees, which removes the largest conflict of interest in financial advice.
Our office is at 1065 Andrew Drive in West Chester, PA, roughly 25 minutes from Greenville up Route 52. We meet in person there, virtually, or a mix of both, whatever suits you.
Your first call is 30 minutes. No obligation, no sales pitch. Just an honest conversation about where you are and where you want to be.
Schedule an Intro CallOr call us at (302) 203-9634 · info@blackshirewealth.com · Send a message